topic Re: Chase PreApproval Offer then 30 Day Message in Credit Card Applications

Chase PreApproval Offer then 30 Day Message

ryder32244 — Thu, 06 Jul 2017 03:26:11 GMT

My wife logged in to her Chase Freedom Unlimited account and an offer for a Slate card popped up only asking for her income. There was also a note that said you could enter income of someone who helps pay bills if you are over 21. We put our combined income and got a 30 day message. The offer had an APR, not a range. I thought those were done deals. I noticed they pulled my Experian Report right away, I didnt know it would hard pull on what I thought was a preapproval.

Re: Chase PreApproval Offer then 30 Day Message

Anonymous — Thu, 06 Jul 2017 03:30:48 GMT

They always pull for an application.

30 days on the phone status line usually ends in an approval. Good luck!

Re: Chase PreApproval Offer then 30 Day Message

Anonymous — Thu, 06 Jul 2017 03:42:05 GMT

Sounds positive to me.
If the account doesn't show up sooner in your account, check app status line once a day if you like. Last 30 day message I got turned approval after about 4 days

Re: Chase PreApproval Offer then 30 Day Message

restdani — Thu, 06 Jul 2017 03:47:30 GMT

you can also call 1800-436-7927, press #, then 3, then 1, enter your info, and it'll tell you the status. i received the 30 day message when i apped on sunday 7/4, called the automated service line that told me I'd receive info in 2 weeks, got a call today from fraud dept asking some questions and was approved on the spot. stay tuned and keep us updated!

Re: Chase PreApproval Offer then 30 Day Message

ryder32244 — Thu, 06 Jul 2017 03:55:20 GMT

Thanks! Im keeping my fingers crossed. A few data points for others this may help:

Currently, have the Chase Freedom Unlimted with 3 months of heavy usage. SL was 2000; we use it for EVERYTHING and make $200 - $400 payments every 2 weeks. Not the statement balance as we are on the 0% offer so dont look at me funny...

It reports a steady 1600 balance again didnt matter because we were in the "garden". The offer popped up tonight and we couldn't pass it up. Experian is what they checked and its reporting a 646 fico 8.

Re: Chase PreApproval Offer then 30 Day Message

ryder32244 — Thu, 06 Jul 2017 04:00:59 GMT

Called the Application Automated line and the 30 day message there as well. We'll call the verification line in the morning to see if thats it. I wont be able to sleep tonight. This is a big deal for us as we just starting to graduate from our subprime cards by getting an NFCU and a Chase card back in April. I cant wait to close Credit One, First Premier and Total Visa!

Re: Chase PreApproval Offer then 30 Day Message

Anonymous — Thu, 06 Jul 2017 13:07:37 GMT

Credit One, First Premier, and Total!!! I'd say close at least two of those now. You have at least three cards with one of them, Chase, and Navy.

Status line only updates once a day. For me this was early afternoon. The account may show up online before status line updates though. It can be hard to be patient waiting to see

Re: Chase PreApproval Offer then 30 Day Message

ryder32244 — Thu, 06 Jul 2017 13:49:33 GMT

I know, the only thing holding back is that the Credit One has a $1050 limit with no balance and they waived the fees for this year. FP is at $750 and they have also credited the fees for this year. Im going to close the Total Visa today, I missed the dats last week and ended up paying the yearly fee which they would not waive. Total has a yearly fee of 39.99 and a 8.25 monthly fee! Im closing that today as the limit is only 300.

Re: Chase PreApproval Offer then 30 Day Message

Anonymous — Thu, 06 Jul 2017 13:56:45 GMT

Sounds like you have a plan. You can let Credit One and FP ride for the history and utility while you look for better cards to replace them

Re: Chase PreApproval Offer then 30 Day Message

ryder32244 — Thu, 06 Jul 2017 14:02:50 GMT

Seems like the best way to go. Im still learning thanks to this board, but holding on to the FP and Credit One at least until I get higher limits on my Chase and NFCU seems like the right approach.

My original thought was to stop using the Chase card for daily purchases and just use "real money" so my balances and usage aren't high. That would allow me to close the sub prime cards, but since they waived the fees I dont see a downside outside of it looks ugly on my reports.

Thanks for your help!

Re: Chase PreApproval Offer then 30 Day Message

Anonymous — Thu, 06 Jul 2017 14:42:38 GMT

Use real money? Cash? **gasp**
I use mine like it's a debit card and pay often through the month. Get rewards on top of that. Navy I'm still figuring out; Chase has cut statements for me 3 days after my due date. Any payments made by the statement date are reflected. That's made it easy to 'control' what gets reported by paying by that date for sure.
And ugly on reports? Paid positive history isn't ugly; accounts are accounts. Use the subprimes for your benefit

Re: Chase PreApproval Offer then 30 Day Message

ryder32244 — Thu, 06 Jul 2017 20:38:21 GMT

LOL No not cash, I meant regular debit transactions. That helps, if accounts are accounts, then I think I got it.

Re: Chase PreApproval Offer then 30 Day Message

ryder32244 — Fri, 07 Jul 2017 00:25:04 GMT

APPROVED!!!! 5000 SL

Called the verification number I found in another post.

They did the phone and social verification then after a few minutes hold she came back with "Congratulations..." Really wasn't expecting this as the offer just popped up online.

Im loving Chase!

Re: Chase PreApproval Offer then 30 Day Message

jawbrkr — Fri, 07 Jul 2017 00:26:17 GMT

@ryder32244 wrote:
APPROVED!!!! 5000 SL

Called the verification number I found in another post.

They did the phone and social verification then after a few minutes hold she came back with "Congratulations..." Really wasn't expecting this as the offer just popped up online.

Im loving Chase!
.

Fantastic!! Congratulations to you.

Re: Chase PreApproval Offer then 30 Day Message

Jerry45 — Fri, 07 Jul 2017 21:18:02 GMT

@ryder32244 wrote:
APPROVED!!!! 5000 SL

Called the verification number I found in another post.

They did the phone and social verification then after a few minutes hold she came back with "Congratulations..." Really wasn't expecting this as the offer just popped up online.

Im loving Chase!
.

Congrats!!!!

Re: Chase PreApproval Offer then 30 Day Message

BPebbles — Mon, 10 Jul 2017 02:50:17 GMT

Congrats!

Re: Chase PreApproval Offer then 30 Day Message

Anonymous — Tue, 18 Jul 2017 04:23:58 GMT

Sweet!

I was given the 30 day message too a few days back and was willing to ride it out. I refused to talk to anyone dealing with the application. Didn't want to give them any information they could use against me.

It was approved 3 days later lol.

Re: Chase PreApproval Offer then 30 Day Message

Anonymous — Wed, 19 Jul 2017 02:14:08 GMT

Congrats on your card.